Principal Data Analytics & Intelligence Specialist- Private Banking
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What you'll do
- Become the go-to SME on PB products and offerings, including Deposits, Consumer Loans, Commercial Lending, and Specialty Lending.
- Understand data flows across PB, Wealth, and Commercial and how these intersect for unified relationship views.
- Define critical product and transactional data attributes to support reporting, analytics, and cross-business insights.
- Partner with business and analytics teams to define insights and intelligence needs for deposit performance, loan utilization, client profitability, and cross-business opportunities.
- Work with analytics teams to design dashboards, KPIs, and predictive models that enable real-time decision-making.
- Collaborate with AI specialists to enable agentic AI capabilities for personalized recommendations and intelligent client engagement.
- Define data quality expectations and partner on validation processes to ensure accuracy and completeness.
- Work with data engineering to ensure PB data is accurately ingested, transformed, and unified in the PB data platform.
- Partner with the Wealth data team to align product, client, and household views across PB and Wealth domains.
- Actively engage with enterprise AI, analytics, and digital experience teams to enable PB-led innovation.
What they're looking for
- 8+ years of experience in Private / Consumer Banking, Commercial Banking, data and analytics.
- High level understanding of PB deposits, loans, and lending products
- Experience translating business needs into analytical requirements and insight-driven solutions.
- Hands-on experience with data analysis tools (SQL, Python, R, Tableau, Power BI, etc.).
- Familiarity with agentic AI concepts and its application to client intelligence and personalization.
- Strong stakeholder engagement skills; able to work across PB business, engineering, analytics, and enterprise teams.
- Bachelor's degree in Data Analytics, Computer Science, or a similar technical field.
Nice to have
- Knowledge of core banking systems, loan origination platforms, and enterprise data platforms.
- Understanding of PB client segmentation, relationship-tiering, and cross-business interactions.
- Experience with AI/ML analytics pipelines and agent-based intelligence frameworks.
Summarised by NextRaise from the employer’s description, which follows in full below.
Full description from employer
JOB DESCRIPTION
The Principal Data Analytics & Intelligence Specialist- Private Banking will be responsible for leading and guiding complex data management projects. This role involves developing advanced data strategies, ensuring data quality, and mentoring junior team members. This role will partner closely with Private Bank (PB) business teams, Wealth data teams, data engineering, and analytics teams to integrate data, derive insights, and enable intelligent decision-making.
This specialist will play a critical role in deployment of the PB analytics strategy, leveraging modern technologies to power personalized insights, operational intelligence, and predictive capabilities.
Product & Data Subject Matter Expertise
- Become the go-to SME on PB products and offerings, including:
- Deposits: structures, flows, pricing, and profitability
- Consumer Loans: mortgages, personal lending, HELOCs
- Commercial Lending: CRE, C&I, and relationship-based facilities
- Specialty Lending: tailored UHNW financing, securities-backed lending
- Understand data flows across PB, Wealth, and Commercial and how these intersect for unified relationship views.
- Define critical product and transactional data attributes to support reporting, analytics, and cross-business insights.
Analytics & Insights Enablement
- Partner with business and analytics teams to define insights and intelligence needs for:
- Deposit performance and balance behaviors
- Loan utilization, repayment trends, and risk drivers
- Client and household profitability analysis
- Cross-business opportunities with Wealth and Commercial
- Work with analytics teams to design dashboards, KPIs, and predictive models that enable real-time decision-making.
- Collaborate with AI specialists to enable agentic AI capabilities for personalized recommendations and intelligent client engagement.
Data Integration & Platform Readiness
- Define data quality expectations and partner on validation processes to ensure accuracy and completeness.
- Work with data engineering to ensure PB data is accurately ingested, transformed, and unified in the PB data platform.
- Partner with the Wealth data team to align product, client, and household views across PB and Wealth domains.
Cross-Business Collaboration
- Actively engage with enterprise AI, analytics, and digital experience teams to enable PB-led innovation.
Required Qualifications
- 8+ years of experience in Private / Consumer Banking, Commercial Banking, data and analytics.
- High level understanding of PB deposits, loans, and lending products
- Experience translating business needs into analytical requirements and insight-driven solutions.
- Hands-on experience with data analysis tools (SQL, Python, R, Tableau, Power BI, etc.).
- Familiarity with agentic AI concepts and its application to client intelligence and personalization.
- Strong stakeholder engagement skills; able to work across PB business, engineering, analytics, and enterprise teams.
- Bachelor's degree in Data Analytics, Computer Science, or a similar technical field.
Preferred Qualifications
- Knowledge of core banking systems, loan origination platforms, and enterprise data platforms.
- Understanding of PB client segmentation, relationship-tiering, and cross-business interactions.
- Experience with AI/ML analytics pipelines and agent-based intelligence frameworks.
Hours & Work Schedule
- Hours per Week: 40
- Work Schedule: Monday-Friday
- Hybrid schedule: 4 days on site at a Citizens corporate office and 1 day remote
Pay Transparency
The salary range for this position is $140k-$180k per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience.
We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits .
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